Common use of Card Account Access Clause in Contracts

Card Account Access. Subject to the limitations set forth in this Agreement and the accompanying Fee Schedule, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account wherever the Mastercard® brandmarks are displayed (as described in the Section below entitled “Using Your Card to Get Cash”), as long as you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule attached to this Agreement. Some of these services may not be available at all terminals. You may not use your Card for any online gambling, or any illegal transaction. You may not use your Card Number or the Issuer's routing number and your assigned Account Number in connection with the creation and/or negotiation of any financial instruments, such as checks, which we have not authorized. You acknowledge and agree that the value available in your Card Account for use or withdrawal is limited to the funds loaded to your Card Account minus any pending loads or pending authorizations, minus funds spent or withdrawn from the Card Account and minus any and all applicable fees. If your Available Balance is insufficient to cover any transaction amount or any transaction fee(s) assessed or both, the transaction may be declined. If you use your Card Number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. Limitations on Frequency, Dollar Amounts of Transactions and Types of Merchants. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also prohibit using the Card for transactions with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $500 Purchases - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Li mits* Maximum cumulative amount of all loads in any 24-hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the card at participating VoltCash approved retail locations. For a list of these locations please visit xxx.xxxxxxxx.xxx. You may also add funds to your Card Account by presenting cash and the Card at participating locations in the Mastercard rePower® network, including Green Dot (see xxxxx://xxx.Xxxxxxxxxx.xx/en-us/consumers/get- support/reload-a-prepaid-card.html for participating merchant locations). For GreenDot reload network locations (see xxxxx://xxx.xxxxxxxxxxxxx.xxx/locations for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Using a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16- digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.

Card Account Access. Subject to the limitations set forth in this Agreement and the accompanying Fee Schedule, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account wherever the Mastercard® brandmarks are Mastercard brand mark is displayed and unload cash from your Card Account at any VoltCash retail location (as described in the Section below entitled “Using Your Card to Get Cash”), as long as you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule attached to this Agreement. Some of these services may not be available at all terminals. You may not use your Card for any online gambling, or any illegal transaction. You may not use your Card Number or the Issuer's routing number and your assigned Account Number in connection with the creation and/or negotiation of any financial instruments, such as checks, which we have not authorized. You acknowledge and agree that the value available in your Card Account for use or withdrawal is limited to the funds loaded to your Card Account minus any pending loads or pending authorizations, minus funds spent or withdrawn from the Card Account and minus any and all applicable fees. If your Available Balance is insufficient to cover any transaction amount or any transaction fee(s) assessed or both, the transaction may be declined. If you use your Card Number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. Limitations on Frequency, Dollar Amounts of Transactions and Types of Merchants. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also prohibit using the Card for transactions with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $500 Purchases - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Cash Unload at VoltCash Retail Location – Daily $1,000 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Li mitsLimits* Maximum cumulative amount of all loads in any 24-hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the card at participating VoltCash approved retail locations. For a list of these locations please visit xxx.xxxxxxxx.xxx. You may also add funds to your Card Account by presenting cash and the Card at participating locations in the Mastercard rePower® network, including Green Dot network or at participating GreenDot reload network locations (see xxxxx://xxx.Xxxxxxxxxx.xx/en-us/consumers/get- support/reload-a-prepaid-card.html xxxxx://xxx.Xxxxxxxxxx.xx/en-us/consumers/get-support/reload-a-prepaid-card.html for participating merchant locations). For GreenDot reload network locations (see xxxxx://xxx.xxxxxxxxxxxxx.xxx/locations for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Using a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16- digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.

Card Account Access. Subject to the limitations set forth in this Agreement and the accompanying Fee ScheduleAgreement, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account (see section labeled “Cash Access”); (2) load funds to your Card Account (see the section labeled “Loading Your Card Account”); (3) transfer funds between your Card Accounts whenever you request; (4) transfer funds from your Card Account to another Netspend Cardholder Account (both (3) and (4) may be referred to as an “Account-to-Account Transfer”); (5) purchase or lease goods or services wherever the Mastercard® brandmarks Visa debit cards are displayed accepted; and (as described 6) pay bills directly from your Card Account in the Section below entitled “Using Your Card to Get Cash”), as long as amounts and on the days you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule attached to this Agreementrequest. Some of these services may not be available at all terminals. You may also use your Virtual Account to purchase or lease goods or services or make payments by telephone or online, without presenting your Card (see the section labeled “Virtual Account”). There may be fees associated with some of these transactions. See the Fee Schedule for more information about the fees. Limitations on frequency and dollar amounts of transfers: For security reasons, we may further limit the amount or number of transactions described below you can make with your Card or Virtual Account. We will determine the maximum cumulative amount of your value loads and of your Card Account by aggregating the activity and value of all Card Accounts you may have with us at Netspend or with other issuing banks at Netspend, whether you are a Primary Cardholder or a Secondary Cardholder. Transfer Type Maximum Amount Frequency and Number ATM Cash Withdrawals $325.00 Per transaction; subject to lower limits imposed by ATM owner-operator $940.00 Maximum withdrawal amount per day Over-the- Counter Cash Withdrawals $5,000.00 Per transaction PIN-based or Signature- based Purchase Transactions $5,000.00 Per transaction Value Loads – POS Locations $7,500.00 Per rolling twenty four (24) hour period $15,000.00 Per rolling thirty (30) day period ACH Deposits – Tax Refunds $50,000.00 Per transaction Maximum Card Account Value $15,000.00 We will review ACH Deposits that may result in the value of your Card Account exceeding the stated maximum value. If we determine the ACH Deposit is valid, we may permit the value of your Card Account to exceed the stated maximum value. Account- to-Account Transfer Varies For security reasons, there are limits on the number and dollar amount of transfers you can make to other Netspend accounts. Any transfers made through the use of third-party service providers (including, but not limited to reload networks and xxxx payment) will be subject to the frequency and dollar value limits established by the provider. To see the service provider’s terms of service agreement, please visit your online Account Center. Each time you use your Card or Virtual Account, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You may not exceed the available amount in your Card Account through an individual transaction or a series of transactions – unless we decide, in our sole discretion, to approve such transaction(s) because you have qualified for Purchase Cushion coverage. If you do not qualify for the Purchase Cushion (defined in more detail below), and any online gamblingtransaction(s) exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction(s) and any applicable transaction fee(s). You agree to pay us promptly for the negative balance. If you have not added sufficient funds to your Card Account to cover the negative balance within sixty (60) days of its creation, we have the right to cancel your Card Account. Additionally, we have the right to pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card Account may be made via ACH Deposit or any of the other load methods described in this Agreement. If you do not have enough funds available in your Card Account, you can instruct a merchant (e.g. an internet service or utility provider), to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in your Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for a transaction amount determined by the merchant and can range in amounts of up to $100.00, or any illegal transactionmore. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the purchase may be preauthorized for a transaction amount representing the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a “hold” on your available funds until the merchant tells us the final payment amount of your purchase. Once we know the final payment amount, the preauthorized amount on hold will be removed and replaced by the actual amount of your purchase. If the merchant does not tell us the final payment amount, the preauthorized amount on hold will remain in place for up to thirty (30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card Number without presenting your Card to the merchant (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you physically presented the Card to the merchant (see the section labeled “Virtual Account” for additional information about how to obtain and use a Virtual Account). You may not use your Card Number or the Issuer's Bank’s routing number and your assigned Account Number in connection with the creation and/or negotiation of any financial instruments, instruments such as checks, which we have not authorized. Your Card cannot be redeemed for cash. You acknowledge and agree that the value available in your Card Account for use or withdrawal is limited to the funds loaded to your Card Account minus any pending loads or pending authorizations, minus funds spent or withdrawn from the Card Account and minus any and all applicable fees. If your Available Balance is insufficient to cover any transaction amount or any transaction fee(s) assessed or both, the transaction may be declined. If you not use your Card Number without presenting your Card (such as or Virtual Account for a mail order, telephone, illegal online gambling or Internet purchase), the legal effect will be the same as if you used the Card itselfany other illegal transaction. Limitations on Frequency, Dollar Amounts of Transactions and Types of Merchants. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also prohibit using the Card for transactions with certain types of merchants, including but You do not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $500 Purchases - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Li mits* Maximum cumulative amount of all loads in any 24-hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve have the right to accept stop payment on any purchase or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice payment transaction originated by use of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the card at participating VoltCash approved retail locations. For a list of these locations please visit xxx.xxxxxxxx.xxx. You may also add funds to your Card Account by presenting cash and the Card at participating locations in the Mastercard rePower® network, including Green Dot (see xxxxx://xxx.Xxxxxxxxxx.xx/en-us/consumers/get- support/reload-a-prepaid-card.html for participating merchant locations). For GreenDot reload network locations (see xxxxx://xxx.xxxxxxxxxxxxx.xxx/locations for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Virtual Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated permitted in this Agreement. Using If you authorize a load service is subject transaction and then fail to make a purchase of that item as planned, the terms and conditions established by the provider of such load service. The third parties providing such load service approval may charge result in a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us hold (see the section above entitled labeled “How Returns and Refunds,” in addition to Contact Us”previous information addressed in this section). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16- digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.

Card Account Access. Subject to the limitations set forth in this Agreement and the accompanying Fee ScheduleAgreement, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account (see section labeled “Cash Access”); (2) load funds to your Card Account (see the section labeled “Loading Your Card Account”); (3) transfer funds between your Card Accounts whenever you request; (4) transfer funds from your Card Account to another Netspend Cardholder Account (both (3) and (4) may be referred to as an “Account-to-Account Transfer”); (5) purchase or lease goods or services wherever the Mastercard® brandmarks Visa debit cards are displayed accepted; and (as described 6) pay bills directly from your Card Account in the Section below entitled “Using Your Card to Get Cash”), as long as amounts and on the days you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule attached to this Agreementrequest. Some of these services may not be available at all terminals. You may not also use your Card for any online gamblingVirtual Account to purchase or lease goods or services or make payments by telephone or online, or any illegal transaction. You may not use your Card Number or the Issuer's routing number and your assigned Account Number in connection with the creation and/or negotiation of any financial instruments, such as checks, which we have not authorized. You acknowledge and agree that the value available in your Card Account for use or withdrawal is limited to the funds loaded to your Card Account minus any pending loads or pending authorizations, minus funds spent or withdrawn from the Card Account and minus any and all applicable fees. If your Available Balance is insufficient to cover any transaction amount or any transaction fee(s) assessed or both, the transaction may be declined. If you use your Card Number without presenting your Card (such as see the section labeled “Virtual Account”). There may be fees associated with some of these transactions. See the Fee Schedule for a mail order, telephone, or Internet purchase), more information about the legal effect will be the same as if you used the Card itselffees. Limitations on Frequency, Dollar Amounts frequency and dollar amounts of Transactions and Types of Merchants. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. transfers: For security reasons, we may further limit the amount or number or dollar amount of transactions described below you can make with your CardCard or Virtual Account. We will determine the maximum cumulative amount of your value loads and of your Card Account by aggregating the activity and value of all Card Accounts you may also prohibit using have with us at Netspend or with other issuing banks at Netspend, whether you are a Primary Cardholder or a Secondary Cardholder. Any transfers made through the Card for transactions with certain types use of merchantsthird-party service providers (including, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time reload networks and restrict certain types of merchants in our sole discretion and without prior notice to you, xxxx payment) will be subject to the extent permitted frequency and dollar value limits established by applicable lawthe provider. To see the service provider’s terms of service agreement, please visit your online Account Center. Each time you use your Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $500 Purchases - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 **The bank or ATM where Virtual Account, you authorize us to reduce the withdrawal takes place may also place certain limits on a withdrawal. value available in your Card Li mits* Maximum cumulative Account by the amount of all loads in the transaction and any 24-hour period May applicable fees. You may not exceed $10,000 Maximum balance of the available amount in your Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase through an individual transaction or decrease these limits or add additional limits from time to time a series of transactions – unless we decide, in our sole discretion, to approve such transaction(s) because you have qualified for Purchase Cushion coverage. We reserve If you do not qualify for the right to accept or reject Purchase Cushion (defined in more detail below), and any request to reload value to transaction(s) exceeds the Card if we reasonably suspect balance of the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are funds available in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your your Card Account. Adding funds is referred , you shall remain fully liable to as “loading”us for the amount of the transaction(s) and any applicable transaction fee(s). You may load agree to pay us promptly for the negative balance. If you have not added sufficient funds to your Card Account any time after your identity has been verified, subject to cover the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the card at participating VoltCash approved retail locations. For a list of these locations please visit xxx.xxxxxxxx.xxx. You may also add funds to your Card Account by presenting cash and the Card at participating locations in the Mastercard rePower® network, including Green Dot (see xxxxx://xxx.Xxxxxxxxxx.xx/en-us/consumers/get- support/reload-a-prepaid-card.html for participating merchant locations). For GreenDot reload network locations (see xxxxx://xxx.xxxxxxxxxxxxx.xxx/locations for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Using a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16- digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every negative balance within sixty (60) days of its creation, we have the right to cancel your Card Account. Additionally, we have the right to pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card Account may be made via ACH Deposit or any of the same person or company, the person or company making the deposit may tell other load methods described in this Agreement. If you every time they send us the money. You may also call us to find out whether or do not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits have enough funds available in your name Card Account, you can instruct a merchant (e.g. an internet service or utility provider), merchant to charge a part of the name purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of someone for whom you have the legal authority to accept funds will be loaded available in your Card Account to the Card. All other direct deposits You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for a transaction amount determined by the merchant and can range in amounts of up to $100.00, or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the purchase may be preauthorized for a transaction amount representing the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the name placement of anyone else a “hold” on your available funds until the merchant tells us the final payment amount of your purchase. Once we know the final payment amount, the preauthorized amount on hold will be removed and replaced by the actual amount of your purchase. If the merchant does not tell us the final payment amount, the preauthorized amount on hold will remain in place for up to thirty Transfer Type Maximum Amount Frequency and Number ATM Cash Withdrawals $325.00 Per transaction; subject to lower limits imposed by ATM owner-operator $940.00 Maximum withdrawal amount per day Over-the- Counter Cash Withdrawals $5,000.00 Per transaction PIN-based or Signature- based Purchase Transactions $5,000.00 Per transaction Value Loads – POS Locations $7,500.00 Per rolling twenty four (24) hour period $15,000.00 Per rolling thirty (30) day period Maximum Card Account Value $15,000.00 We will review ACH Deposits that may be declined and returnedresult in the value of your Card Account exceeding the stated maximum value. If we discover that a direct deposit in determine the name of someone else was successfully loaded to your CardACH Deposit is valid, we may deduct permit the value of your Card Account to exceed the stated maximum value. Account-to- Account Transfer Varies For security reasons, there are limits on the number and dollar amount of the deposit and return it. You should check with the payer transfers you can make to determine the effective date for any direct deposit they send to your Card Accountother Netspend accounts.